ZIP Code 11965 — Shelter Island Heights CDP, NY Demographics & Data

ZIP code 11965 covers Shelter Island Heights, NY in Suffolk County with a population of about 421.

At a glance, the area shows median age of 59.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 631, 934; U.S. House district NY-1; the NEW YORK media market.

Shelter Island Heights, NY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (24.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 19.5%; unemployment rate near 0.0%; 84.4% of adults with a bachelor’s degree or higher (about 50.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Transportation, and Information; about 36.3% of workers reporting work-from-home (about 21.1 points above the U.S. share (15.2%)); a mean commute of about 177.0 minutes (U.S. average near 26.8).

Median home value is about $1,092,200 — about 214% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 79.0% (about 13.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 11965 in Shelter Island Heights, NY, a household would need roughly $301,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $7,016. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Shelter Island Heights CDP, NY as Relatively High (composite score 97.3), which is among the highest nationally. The strongest component scores on US5 are flood (98.3) and hurricane (96.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Shelter Island Heights CDP, NY show little to no average snow.

IRS migration statistics show a net inflow of about 18 for ZIP 11965 (Shelter Island Heights CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.